CalOSBA administers grant programs for small businesses, non-profits, and eligible community organizations that support and promote entrepreneurship. If you are purchasing it with no money down, are you just short on cash or are you trying to strike out on your own?Empower Homebuyers is a down payment assistance loan for first-time homebuyers in Santa Clara County. We'll explore creative financing options and negotiation strategies to help you achieve your entrepreneurial dreams without breaking the bank. At Mirastar Federal Credit Union, we've been lifting our members and communities up since 1950, providing greater, more equitable access to the financial tools. West she failed to mention is that your personal credit need to be in good standing. Unique benefits: Lower down payments, flexible overhead requirements, and no collateral needed for some loans. There are several options for small business loans in Santa Clara. This loan features flexible qualifying criteria and options with no down payment. Available in select areas for a new home purchase or purchase with renovation.